Chrysler 300 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Chrysler 300 insurance
You may be asking yourself, “How much does a Chrysler 300 cost to insure?” or “Is a Chrysler 300 considered a sports car?” (the answer is no by the way). Chrysler 300 full coverage costs an average of $1,548 a year, or $129 a month, which means car insurance won’t cost $300 a month. Our guide goes over Chrysler 300 costs so drivers can better understand how to save.

Want to jump right into comparing Chrysler 300 insurance rates? Shopping around for Chrysler 300 insurance costs will help drivers save, so enter your ZIP code in our free tool above to get started.

Average insurance rates for a Chrysler 300 are $1,456 a year for full coverage. Comprehensive insurance costs an estimated $292 each year, collision costs $564, and liability insurance costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $3,172 or more. Teens receive the highest rates at $5,490 a year or more.

Average premium for full coverage: $1,456

Rate estimates broken down by individual coverage type:

Comprehensive $292
Collision $564
Liability $442

These estimates include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and 300 models.

Price Range by Coverage and Risk

For an average driver, prices range go from as low as $496 for liability-only coverage to a high rate of $3,172 for a driver required to buy high-risk insurance.

Liability Only $496
Full Coverage $1,456
High Risk $3,172

Price Range by Location

Where you live has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

These examples show why all drivers should compare prices for a targeted area and risk profile, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

The chart below shows estimated Chrysler 300 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $830
  • Using higher $1,000 deductibles will save approximately $194 a year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,456
  • Selecting low deductibles for physical damage coverage will cost an extra $380 a year
  • Drivers with serious driving violations could pay up to $3,172 or more
  • The cost for full coverage for a teen driver can cost as much as $5,490 or more

View Chart as Image

Chrysler 300 insurance cost comparison chart
Column chart showing full coverage Chrysler 300 insurance prices range from $830 to $5,490

Auto insurance rates for a Chrysler 300 can also vary considerably based on your driver profile, the trim level of your 300, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

Where you live has a huge impact on Chrysler 300 insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,080 on average in New York, Louisiana, and Michigan.

Chrysler 300 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,318 -$138 -9.5%
Alaska $1,118 -$338 -23.2%
Arizona $1,210 -$246 -16.9%
Arkansas $1,456 -$0 0.0%
California $1,662 $206 14.1%
Colorado $1,394 -$62 -4.3%
Connecticut $1,498 $42 2.9%
Delaware $1,648 $192 13.2%
Florida $1,824 $368 25.3%
Georgia $1,346 -$110 -7.6%
Hawaii $1,048 -$408 -28.0%
Idaho $986 -$470 -32.3%
Illinois $1,086 -$370 -25.4%
Indiana $1,098 -$358 -24.6%
Iowa $984 -$472 -32.4%
Kansas $1,386 -$70 -4.8%
Kentucky $1,988 $532 36.5%
Louisiana $2,158 $702 48.2%
Maine $898 -$558 -38.3%
Maryland $1,204 -$252 -17.3%
Massachusetts $1,168 -$288 -19.8%
Michigan $2,532 $1,076 73.9%
Minnesota $1,218 -$238 -16.3%
Mississippi $1,746 $290 19.9%
Missouri $1,294 -$162 -11.1%
Montana $1,566 $110 7.6%
Nebraska $1,148 -$308 -21.2%
Nevada $1,748 $292 20.1%
New Hampshire $1,048 -$408 -28.0%
New Jersey $1,628 $172 11.8%
New Mexico $1,290 -$166 -11.4%
New York $1,536 $80 5.5%
North Carolina $840 -$616 -42.3%
North Dakota $1,194 -$262 -18.0%
Ohio $1,008 -$448 -30.8%
Oklahoma $1,498 $42 2.9%
Oregon $1,336 -$120 -8.2%
Pennsylvania $1,390 -$66 -4.5%
Rhode Island $1,946 $490 33.7%
South Carolina $1,320 -$136 -9.3%
South Dakota $1,230 -$226 -15.5%
Tennessee $1,278 -$178 -12.2%
Texas $1,756 $300 20.6%
Utah $1,080 -$376 -25.8%
Vermont $998 -$458 -31.5%
Virginia $874 -$582 -40.0%
Washington $1,128 -$328 -22.5%
West Virginia $1,336 -$120 -8.2%
Wisconsin $1,008 -$448 -30.8%
Wyoming $1,298 -$158 -10.9%

View Chart as Image

Chrysler 300 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $580 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, and quoted rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Chrysler 300 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Chrysler 300 $292 $564 $442 $1,456
2016 Chrysler 300 $258 $442 $460 $1,318
2014 Chrysler 300 $234 $382 $464 $1,238
2012 Chrysler 300 $210 $330 $474 $1,172
2007 Chrysler 300 $172 $218 $460 $1,008
2006 Chrysler 300 $168 $208 $452 $986

Rates are averaged for all Chrysler 300 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheap Chrysler 300 Insurance

Saving money on Chrysler 300 insurance requires not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The following is a brief summary of the data covered in the above illustrations.

  • Drivers who want higher liability limits will pay approximately $490 each year to increase from a minimum limit to 250/500 limits
  • Drivers can save approximately $180 per year simply by quoting online in advance
  • Increasing deductibles can save around $575 each year
  • Teens are the costliest to insure, costing as high as $458 per month if they have full coverage

We’d like to answer a couple questions. First, does a Chrysler 300 last long? They will last upwards of 200K miles with the proper maintenance. Second, “Are Chrysler 300 expensive to maintain?” They have a 10 year maintenance cost of $10,600 which is expensive for the style and model of vehicle.

Shopping for a good Chrysler 300 insurance group will help reduce your costs, whether you are shopping for 2018 Chrysler 300 insurance costs or 2014 Chrysler 300 costs.

Want to get started on finding how much does a Chrysler 300C cost or how much does a 2018 Chrysler 300 cost to insure? Enter your ZIP code in our free tool below.

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What are the safety ratings of the Chrysler 300?

How much does a 2012 Chrysler 300 cost to insure? How much does a 2014 Chrysler cost to insure? Part of what determines these rates will be the safety ratings and safety features. An old Chrysler 300 will have fewer safety features, which means the insurance cost of a new Chrysler 300 is likely to be better.

The Chrysler 300 has multiple airbags, brake assist, electronic stability control, traction control, and more, However, it is lacking back-up cameras. The Insurance Institute for Highway Safety (IIHS) gave the 2020 Chrysler 300 the following crash test ratings.

  • Small overlap front (driver-side): Marginal
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Watch the video below for an example of a crash test on the Chrysler 300.

Chrysler 300 Compared Against Other Vehicles in the Same Class

The Chrysler 300 is a large car, which means Chrysler liability insurance could cost more. The IIHS recorded the Chrysler 300’s bodily injury liability losses as substantially worse than average, and the property damage losses as average.

To see how the Chrysler 300’s rates compare to other large cars, take a look at the cars below.

Ready to start shopping for insurance for everything from the 2006 Chrysler 300 price range to the cost of 2015 Chrysler 300 insurance to Chrysler 300M 2020 insurance? Enter your ZIP code in our free tool to get started on finding Chrysler 300 insurance rates.

References

  1. https://www.iihs.org/ratings/vehicle/chrysler/300-4-door-sedan/2020

Rates by Driver Age

Chrysler 300 Insurance Rates by Driver Age
Driver Age Premium
16 $5,490
20 $3,382
30 $1,520
40 $1,456
50 $1,332
60 $1,308

Full coverage, $500 deductibles

Rates by Deductible

Chrysler 300 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,836
$250 $1,660
$500 $1,456
$1,000 $1,262

Full coverage, driver age 40

Rates by Liability Limit

Chrysler 300 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,620
100/300 $1,731
250/500 $2,018
100 CSL $1,665
300 CSL $1,908
500 CSL $2,085

Full coverage, driver age 40

Rates for High Risk Drivers

Chrysler 300 Insurance Rates for High Risk Drivers
Age Premium
16 $7,836
20 $5,396
30 $3,238
40 $3,172
50 $3,030
60 $3,004

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $207

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $78
Homeowner $22
5-yr Accident Free $109
5-yr Claim Free $95
Paid in Full/EFT $67
Advance Quote $73
Online Quote $104
Total Discounts $626
Rate after discounts $830

Discounts are estimated and may not be available from every company or in every state.

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